I’m Kevin Murphy, an independent insurance agent. Thanks for visiting my website.

I enjoy conversations about (and providing information for) topics such as:
  1. How to compare prices and identify the cheapest term life insurance available for your family or business.
  2. Strategies that make sure you’ll be remembered by your grandkids when you’re gone.  (Leave a legacy!)
  3. The best way to avoid being a financial or emotional burden to your grown children in your “old age”.
  4. Learning how “the wealthy” save money for retirement without risk.  How are they able to profit from gains in stock indices while having no market risk when the market crashes? (If you had a 401k in 2008 you know about losses!)
  5. How to “maximally save” for your retirement. I’ll show you how to create a lifetime stream of tax-free income to supplement–or even replace–your current retirement savings strategies.
  6. Do you dread being in a nursing home one day? Let’s talk about how you can ensure that you’ll live in your own home as long as it’s possible.

Insurance protection

Term life insurance can replace the income of a primary breadwinner should the unthinkable happen.

Term Life Insurance provides a ton of insurance protection at a fraction of the cost of permanent life insurance because term life insurance does not accrue any cash value.

Term life insurance is pure life insurance “with no additives or preservatives”… (humor!)

For a young family, the low cost of term life insurance protection allows you to commit more of your income to other important family priorities, such as your kids’ college funds, an annual vacation fund, or saving for the downpayment on a new home.

Without life insurance the unexpected passing of a primary income-earner would likely mean a drastic reduction in family income, causing a necessary “downsizing” of assets and amenities and then impacting your family’s standard of living and quality of life.

Are you obsessed with saving for your retirement?

Are you constantly considering and evaluating “alternative” strategies to have a better, and perhaps a more immediate retirement?

Have you ‘maxed out’ your contributions to your 401(k), Traditional IRA’s, and Roth IRA’s.

If this is you, I have a little known, IRS-compliant, retirement savings strategy for you to consider.

Some call it a “Rich Person’s Roth”. But it’s better than a Roth IRA because there is no “market risk” that mutual funds have, there are no income or contribution limits, and you can withdraw your money at any age you wish!

Most of us ‘in-the-know’ call it a “tax-free retirement” plan.

When you have your own tax-free retirement plan, you can create a substantial stream of tax-free income to supplement your other retirement income sources.

If you are interested in creating a new stream of tax-free income in your retirement, we would need to have a more detailed conversation about your goals, your current budget, your discretionary income, as well as understanding what current retirement savings vehicles/strategies you have in place.

Long-Term Care Insurance shopper.

You’ve probably become aware that about 70% of Americans over the age of 65 years will eventually need long-term care services during their lifetime.

And paying for long-term care is the single biggest financial risk that most Americans face today. Nationally, care costs average between $50,000 – $100,00 per year, and the average care recipient’s life savings is depleted in months.

You may also know that long-term care is NOT covered by traditional health insurances or government programs, such as Medicare—and Medicaid only covers long-term care after you’ve depleted all of your assets.

If you’ve ever had a family member on the receiving (or the caregiving) end of long-term care, you likely understand the financial and emotional stress, and the health consequences that caregiving can impose on a family.

Spouse caregivers report more depression symptoms, greater financial and physical burden, and lower levels of psychological well-being.”

Here are reasons that our long-term care insurance policyholders bought their policies:

  • We don’t want to burden our kids emotionally or financially with future care we may need
  • We don’t want to spend our lifetime savings on long-term care bills
  • We don’t want our kids involved in our personal care
  • We intend to stay in our own home, not in a nursing home

Advantages of buying long-term care insurance earlier in life:

  • Insurability—you are more likely to be approved for coverage
  • Affordability—rates are based on your age at the time of purchase
  • Peace of Mind—you can rest easy that you’re protected for any future care you may need, for any cause

As a life insurance specialist, I represent all of the top carriers in your state; companies like Prudential, Protective Life, Allianz, and Mutual of Omaha, to name a few.

EXPECTATIONS:  Let me share with you how I work–it’s 100% by appointment on the phone!

Our meeting is held on the phone and on our computers. There’s no need to vacuum the house before we talk.

When you email (or call me) to talk about your life insurance needs, we would simply find a time when you (and your partner?) can talk with me on the phone.

On the days leading up to our phone appointment I’ll be doing research on your behalf in preparation for our time together. And during our appointment I can bring the policy quoting software up on my computer and we’ll compare competing quotes from about 50 different carriers.

I’ll explain how the policies work, how your benefits are triggered, and what options you will have.

I’ll explain which policies make sense for you, given your health, your family history, your financial situation, and I’ll also tell you why other ones are not your best options. It’s a very collaborative process!

If you decide against having any protection at that time, you will have all of the facts and figures to make an informed decision as to what is the best choice for you and your family.

Should you wish to apply for coverage, we’ll be able to do that on the phone together. Does that make sense?